Express courier. Direct.
Also overnight.
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Insurance terms explained: what courier partners must know
A concise guide to key insurance terms for independent courier partners in Switzerland. Helps you compare policies and make informed decisions for everyday operations.
Quick answer
Independent courier partners in Switzerland should know the basic insurance terms: coverage limit, deductible, liability and transport liability. These determine who pays for which loss and how much you may owe after a claim. Compare policies by these items, check exclusions and note differences between general liability and transport-specific coverage.
Why these terms matter for courier partners
As an independent courier you handle goods and interact with clients and the public. Insurance terms define financial risk and who covers losses. Clear knowledge helps you avoid gaps, meet client requirements, and react quickly in a claim.
Coverage limit: how much protection you have
The coverage limit is the maximum the insurer will pay per claim or per year. Choose a limit that fits the typical value of your runs. For high-value consignments, higher limits are sensible. Check whether limits apply per incident or in aggregate.
Deductible: your share in a claim
The deductible is the amount you pay out of pocket when a claim occurs. Higher deductibles lower premiums but increase your direct cost in a claim. Pick a deductible level you can afford without risking cashflow problems after an incident.
Liability vs. transport liability: key differences
Liability insurance covers damages you cause to third parties (people or property), for example in an accident. Transport liability covers damage or loss to the consignments you carry. Some policies combine both, others treat them separately. Make sure transport losses (loss, damage, partial loss) are explicitly included if needed.
Common exclusions and special terms
Read exclusions carefully. Policies may exclude valuables, cash, perishable items or improperly packed goods. Also check rules about loading/unloading, multiple drivers, use of private cars for commercial work, and any territorial limits within Switzerland or abroad.
Comparing policies: a practical checklist
Compare cover limit, deductible, scope (liability vs. transport), exclusions, claim reporting requirements, legal cost coverage and premium structure. Use real examples from your job to ask insurers how they would handle specific scenarios.
Frequently asked questions
Do I have to buy transport insurance as a courier partner?
It's not legally mandatory in every case in Switzerland. However, many clients expect it. A transport policy or a written agreement stating who is liable reduces risk for both parties.
What if a client asks for higher coverage than I have?
You can request a policy increase, obtain a short-term add-on for that job, or negotiate with the client about liability. Some insurers offer temporary higher limits for specific runs.
How fast must I report a claim?
Report damage or loss as soon as possible, ideally within 24–48 hours. Provide photos, delivery notes and witness details. Late reports can complicate or void claims.
Does general liability cover damage to other vehicles?
General liability may cover damage to other vehicles if you caused it. Check your policy wording, especially if you sometimes use rented or borrowed vehicles for work.